Beware: "Credit Card Cloning"

[chua_riwap]

This news item was featured on today's TV Patrol. Ginagawa pala itong MO kahit sa malalaking malls at restos. Ang syndicate may tao silang mga sales clerk at mga waiters. May smalll "gadget" sila to read the info from your CC.

Kaya ingat tayo mga Tsikoteers. Huwag basta ibibigay yung card pag bayaran na. Kelangan sundan yung waiter o salesclerk pag magbabayad na kayo.


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NBI Warns vs 'Credit Card Cloning'


The National Bureau of Investigation on Wednesday warned the public against a new modus operandi by criminals who "clone" credit card accounts, ABS-CBN News reported.

The NBI's Anti-Fraud and Computer Crimes Division said under the modus operandi, all information on the credit card are copied once swiped in a duplicating machine. An improvised skimming device slightly bigger than a matchbox is used to clone the card.

NBI chief Nestor Mantaring said credit card holders eating at restaurants usually become the victims once they use their cards to pay for their bill.

The modus operandi was uncovered after NBI agents arrested a suspect named Melvin Garcia during an entrapment. The suspect was identified as a courier of the skimming device.

The suspect claimed he is innocent and said he was just a courier.

The scheme was discovered after the owner of Club Malizzia bar on Roxas Boulevard in Pasay City complained to authorities after transactions made by three customers were left unpaid by the credit card company.

The customers also complained that purchases were made with their cards without their knowledge. The transactions, the complainants said, were made after they used their credit cards at the club.

During investigation, one of the club's waiters confessed that a certain Jonathan Valencerina paid him P500-P700 for every credit card he can swipe in the machine.

He said swiping the customer’s card in the machine will yield the required information to make a new one with the use of stolen identity and the access code.

Mantaring cautioned credit card holders to be vigilant on cards being used. He issued the same warning to businessmen to take steps to prevent identity theft and credit card cloning. With a report from Maan Macapagal

[mazdamazda]

Well, your credit card company will protect you though from such incidents.

[b1rken5tock]

inde pa ba uso ang chip and pin dyan? bale yung credit card detail nasa chip embedded sa card tapos you need to enter your pin number to verify the transaction...

[Galactus]

Yung BPI may embedded chip na.

AFAIK, this technology was pioneered dito sa Pinas ng Bankard One. Kaya lang, wala ng Bankard One ngayon.

[dieselNUBI]

ive been a victim. i used my card sa pier one sa timog. on my next credit card bill... ayan na, my card daw was used on fuel , grocery, bars(embassy), etc... umabot ng 50,000 din.

[theveed]

One of our company's CC terminal allows users to call teh waiter/attendant for the bill, they'll bring the WiFi enabled terminal on your table, you do the swiping/PIN (depending on card type), the unit will print out the receipts for you to sign and that's it... No intervention from the establishment hehe.

[Galactus]

^^^ What happened bro? Ni-reverse ba ng CC company, or ikaw din daw ang dapat mag-shoulder?

[shadow]

Well, your credit card company will protect you though from such incidents.

it will take a long time, magkakaroon pa ng investigation, etc...they still need to established patters etc.. it's a very long process...

walang problema kung ginamit ng mga "skimmers" sa mga stores na hinde mo talaga pinupuntahan. the problem I see is kung ginamit nila sa mga oridnary places..groceries, SM, resto....eh papapno kung pinupuntahan mo rin yun mga stores na yun...

as a card holder I'm sure wala akong magagawa, it's up to me na magingat...

eh kung yun meron extra surcharges pag CC ang gagamitin wala naman nagawa mga CC cos. eh, even yun credit cards associations...

kwento ko lang, 2-3 months ago I wanted to buy a laptop in one of the stores in virra mall, when I was paying using my card, they wanted to charge me an extra 3 or 4% yata, siyempre I declined and told them na it is not allowed na, pero wala akong magawa and wala rin magawa yun tindera dahil yun daw ang utos sa kanila....so in short I terminated the purchase...

incidentally, at about the same time I received together with my billing statement a pamphlet from the credit card association of the Phil that entitled "cash or charge, either way there is no extra charge" and explaining that it is against the law for stores to charge extra if using CC for purchases...and it encourages CC holders to report to them or the issuing bank if you have encounter merchants like this.

so syempre what I did was call the CCAP to report the incident that I experienced from the said merchant...I should have know better they are not much of help they just told me to report it to my issuing bank instead..

so that's what I did, called my issuing bank...now I should have learned my lesson na mga inutil mga yan, my issuing bank just told me na humanap na lang ako ng ibang stores na bibilhan ko, pero wala daw silang magagawa doon sa merchants..I asked kung pwede ba nila mabigyan ng penalty or something yun store, ireport ko na lang daw sa CCAP at maybe they can do something...

HSBC nga pala yun CC ko.....

[boybi]

shadow, if your CC was cloned, definitely it will not bear the same signature as yours. The signed CC receipt will also be not the same as yours. With this as proof, the CC company should not charge you with the said purchase(s). Pero ibang usapan if nawala mo CC mo and then someone else used your CC before you found out na nawala nga CC mo and reporting to the CC Co. of your lost CC. Mahirap i-prove na hindi nga ikaw yung gumamit ng CC especially kung madali i-forge ang signature mo.

[AnuVaYan]

shadow, if your CC was cloned, definitely it will not bear the same signature as yours. The signed CC receipt will also be not the same as yours. With this as proof, the CC company should not charge you with the said purchase(s). Pero ibang usapan if nawala mo CC mo and then someone else used your CC before you found out na nawala nga CC mo and reporting to the CC Co. of your lost CC. Mahirap i-prove na hindi nga ikaw yung gumamit ng CC especially kung madali i-forge ang signature mo.

Kung kakuntsaba yung mga waiters or kung sino man, pwede din silang maka kuha ng kopya ng signature mo.

e kung gawin kayang sop na kailangan mag present ng valid id kasama ng credit card, would it be of any help kaya? kaso syempre yung iba naman iisipin hina hassle sila.

[shadow]

Kung kakuntsaba yung mga waiters or kung sino man, pwede din silang maka kuha ng kopya ng signature mo.

e kung gawin kayang sop na kailangan mag present ng valid id kasama ng credit card, would it be of any help kaya? kaso syempre yung iba naman iisipin hina hassle sila.

oo nga eh, I heard nun isang araw yun CCAP president or spokeman yata nila sa DZBB, kahit daw yun meron picture sa CC, hinde rin daw 100% na security feature yun, dahil yun iba daw syndicate, eh aawayin yun cashier pag sinabi na mukhang hinde siya yun nasa picture sa CC, so siyempre matatakot yun cashier and will allow the purchases....

[shadow]

shadow, if your CC was cloned, definitely it will not bear the same signature as yours. The signed CC receipt will also be not the same as yours. With this as proof, the CC company should not charge you with the said purchase(s). Pero ibang usapan if nawala mo CC mo and then someone else used your CC before you found out na nawala nga CC mo and reporting to the CC Co. of your lost CC. Mahirap i-prove na hindi nga ikaw yung gumamit ng CC especially kung madali i-forge ang signature mo.

tama, pero it will still take time, mahaba pa rin na process yan..

btw, pyun ibang syndicate meron kasabwat sa loob ng bank...parang dito ko rin yata nabasa yun blog ni bubbles paraiso...about doon sa nangyari sa CC niya...

anyway, yun sa kanya naman obvious na meron insider....ito yun story basta one day she noticed na nawala yun card niya and she immediately reported it to the bank..thinking na nanakaw yun so diba dapat suspended na yun and any purchases made sa card niya hinde na dapat ma-approve......so after a few days daw she found out na yun card pala niya is nahulog lang niya sa floor ng car niya...so it means hinde nawala/nanakaw...but when her statement came meron mga purchases/activities yun CC niya, eh sino gagamit nun nareport na nga na nawala pero hinde naman pala nawala...in short meron insider sa CC company niya...citibank naman yata yun CC niya....